Investigate, analyze, and determine the extent of insurance company's liability concerning personal, casualty, or property loss or damages, and attempt to effect settlement with claimants. Correspond with or interview medical specialists, agents, witnesses, or claimants to compile information. Calculate benefit payments and approve payment of claims within a certain monetary limit.
U.S. Workers
305,020
Median Salary
$76,790
10-Year Growth
-5.1%
Annual Openings
21,100
Typical entry: High school diploma or equivalent
13 of 13 tasks have some AI capability
Exposure Trend
This score reflects estimated AI technical capability for tasks in this occupation. It does not predict employment changes, and it does not account for company-specific constraints, regulation, or adoption barriers.
Prepare report of findings of investigation.
AI: Fully automatable - Compiling and formatting investigative findings into a report is a structured, document-generation task that AI can reliably perform end-to-end given the investigation data.
Refer questionable claims to investigator or claims adjuster for investigation or settlement.
AI: Fully automatable - Automated triage and flagging systems can detect red flags and refer questionable claims to investigators or adjusters, enabling reliable automated routing in workflows by 2025.
Obtain credit information from banks and other credit services.
AI: Fully automatable - Given proper authorization and integrations (APIs/RPA) with banks and credit bureaus, AI systems can fully automate requesting, retrieving, and parsing credit information.
Examine claims forms and other records to determine insurance coverage.
AI: Partial - AI can parse and extract information from forms and identify likely coverage issues but often cannot fully resolve nuanced policy interpretation or legal judgment without human oversight.
Investigate and assess damage to property and create or review property damage estimates.
AI: Partial - Computer vision and estimating models can assess many types of property damage and produce cost estimates from photos, but complex, on-site, or ambiguous damage assessments still require human inspection and judgment.
Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review.
AI: Partial - Conversational AI can conduct routine correspondence and initial interviews, but sensitive, adversarial, or legally significant interviews that determine settlements typically require human involvement and verification.
Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.
AI: Partial - AI can extract and summarize police, medical, and billing records and highlight indicators relevant to liability, but final liability determinations often require contextual legal and case-specific judgment by humans.
Negotiate claim settlements and recommend litigation when settlement cannot be negotiated.
AI: Partial - AI can assist heavily with negotiation strategy, settlement offers, and escalation recommendations, but complex negotiations and the decision to pursue litigation generally need human negotiation skills and legal responsibility.
Analyze information gathered by investigation and report findings and recommendations.
AI: Partial - AI can synthesize investigative data and draft findings and recommended actions, yet recommendations that hinge on complex judgment, ethics, or legal risk usually require human review.
Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.
AI: Partial - Automated correspondence can correct routine errors and follow up with agents or claimants, but investigating suspicious claims and resolving contested issues often requires human investigative work.
Collect evidence to support contested claims in court.
AI: Partial - AI can collect and analyze digital evidence, synthesize leads, and prepare documentation, but cannot perform physical evidence collection, maintain human-controlled chain-of-custody, or provide legally recognized in-person investigative actions in court.
Examine titles to property to determine validity and act as company agent in transactions with property owners.
AI: Partial - AI can research and analyze title records and flag defects, but cannot legally act as a company agent in transactions or execute the legal/negotiation responsibilities that require human authority.
Communicate with former associates to verify employment record and to obtain background information regarding persons or businesses applying for credit.
AI: Partial - AI can automate outreach, record responses, and extract/verifying details from communications, but cannot fully authenticate respondents or replace human judgment and legal responsibility in sensitive background verifications.